Car Insurance In Bangalore
Known as the "Silicon Valley of India", Bangalore attracts one of the largest working populations in the country. This not only makes the city the third most populous but also the roads congested with heavy traffic, resulting in a high rate of road accidents. All of this increases the need to have car insurance in Bangalore to safeguard one's four-wheeler from such unforeseen incidents.
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Why Should You Buy Car Insurance in Bangalore?
The city of Bangalore is not only known for its business startups but also for the most congested cities in India. This increases the chances of incidents like accidents, collisions, and theft. To curb this, the Govt of India, under the motor laws, made it legally compulsory for every car owner to have valid four-wheeler insurance in Bangalore. Apart from this, some other reasons to buy a car insurance policy in Bangalore include:
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Avoid Traffic Fines
The most important reason to purchase a four-wheeler insurance policy is to avoid heavy traffic fines that you have to pay if you don't own motor insurance in Bangalore. The traffic fine for not carrying a valid car insurance policy in Bengaluru can go up to Rs. 4,000.
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Protection from Accidents
A motor insurance policy will also protect your four-wheeler against any damage that it may sustain due to emergencies like road accidents. You will get compensation from the insurance company depending on the type of damage your car has sustained. Since the number of road fatalities has increased manifold time in Bangalore, it becomes imperative to go for a full-coverage car insurance policy.
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Protection in Unexpected Calamities
Unexpected manmade disasters are very common in any city, especially with a higher population. Moreover, this city is also known for unforeseen rains and other natural extremities. Thus, to cover your car from such unexpected calamities, you must own a four-wheeler insurance cover. To cover your car from unforeseen rains, you can also buy an Engine Protect Cover. You can also get a Roadside Assistance cover to help you during an emergency car breakdown on the roads of Bangalore.
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Hassle-Free Online Purchase
Purchasing car insurance is also very easy and hassle-free. You can simply do so online in just 5 minutes on Policybazaar.com.
Types of Car Insurance Policies in Bangalore
The three major types of motor insurance policies offered in Bangalore are:
Third-Party Car Insurance
Under this type of insurance cover, an insurance company compensates for any third party liability, such as third-party death, disability and property damage caused due to the insured car. This policy is the least mandatory cover that every car owner has to purchase to ply on the roads of Bangalore.
Standalone Own Damage Car Insurance
Own damage car insurance cover aims at protecting any own damage caused to the insured car due to emergencies like road accidents, collisions, theft, fire etc. This plan, however, does not cover any third-party damage thus, it can be additionally purchased in a bundle with a third-party liability insurance policy.
Comprehensive Car Insurance
Comprehensive car insurance is not a mandatory policy but is recommended by insurance experts due to its broad coverage. This type of four-wheeler insurance policy covers own damages sustained by the insured car along with third-party liabilities. Damages arising out of road accidents, theft, fire, natural calamities, etc. are covered.
Coverages Under Car Insurance in Mumbai
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Third-party damages caused due to the third party, such as death, injury and third-party property damages
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Losses arising out of theft or burglary of the insured car are covered
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Any loss caused to the insured car if it caught fire or sustained an explosion
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Damages sustained by the insured car due to natural causes like hurricanes, cyclones, floods, etc
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Losses arising out of any manmade act such as a strike, riot, or terrorist act
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Claims can also be raised for damages caused when the insured car was in transit via road, rail, waterways or airways
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Damages sustained by the insured car when the driver was not found with a driving license
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Any damage caused to the insured motor vehicle when the driver was drunk
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Mechanical and electrical breakdown of the insured car is also not covered
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Regular wear and tear sustained by the insured car are also included
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Contractual Liabilities of the owner/driver of the insured car
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Damages arising outside the geographical scope, as mentioned in the policy
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Damages sustained by the insured vehicle when used for commercial purposes are also excluded
How to Buy Car Insurance Online in Bangalore?
Follow these simple steps to buy four-wheeler insurance online in Bangalore:
- Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
- Select the 'Car Insurance' tab from the homepage
- On the given form, enter your car number or select the 'Brand New Car' option
- Now, from the table, select your car details such as RTO, variant, model, fuel type, etc
- Fill in the registration form
- Choose the desired four-wheeler insurance plan and add-ons that you wish to add to your plan
- Pay the verified premium amount via the desired payment mode
- As soon as the payment is complete, your four-wheeler insurance policy will be issued to you
Traffic Do's and Don'ts in Bangalore
Here are a few do's and don'ts that you must follow while driving in Bangalore:
FAQs About Car Insurance in Bangalore
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Q1. How can I purchase the car insurance in Bengaluru online?
Ans: You can easily purchase a four-wheeler insurance policy online on Policybazaar.com. Simply compare and choose the car insurance policy for your four-wheeler in Bangalore. -
Q2. Are there any add-on covers available under car insurance in Bangalore?
Ans: Yes, there are many additional covers that you can purchase with your comprehensive car insurance policy. Some of these include zero depreciation cover, NCB Protect cover, Roadside Assistance cover, Engine Cover, and many more. -
Q3. Will I require any documents for car insurance renewal in Bangalore?
Ans: No, you will not need any documents to renew your car insurance from Policybazaar.com. Simply visit the car insurance renewal section and enter your car number to renew it in two minutes. -
Q4. Will I need any documents to raise a claim for my four-wheeler insurance plan in Bangalore?
Ans: Yes, you will need the following documents to raise a car insurance claim in Bangalore:
- Duly signed and filled claim form
- Copy of driving license
- Copy of Registration certificate
- Copy of Police FIR
- Repair Bills
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
